United Federal Credit Union

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A short history of United FCU

Since its inception in 1949 the United Federal Credit Union has been serving its members in the Saint Joseph, Michigan area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Terry O'Rourke, the United FCU has grown its membership to over 161,312 with assets of more than $2,405,921,073. They have a main office and 32 branch offices. Please see the credit unions website or contact them by phone at (269) 982-1400 or email them at united@unitedfcu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Saint Joseph, MI.

General Information For United FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 6288
Address P.O. Box 125 
City Saint Joseph 
State Michigan 
Zip-Code 49085
Phone Number (269) 982-1400
Fax Number (269) 982-4718
Email Address: united@unitedfcu.com
CEO/President Terry O'Rourke
Members 161,312 
Full-Time Employees 585 
Part-Time Employees
Number of Branch Offices 32 
Total Assets 2,405,921,073 
Website https://www.unitedfcu.com 

Compare United Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Honor CU Honor Credit Union 201 N Phelps St 49045 (269) 983-6357 No 2.48
Country Heritage CU Country Heritage Credit Union 16580 Bakertown Rd 49107 (269) 695-2334 No 16.83
Greater Niles Community CU Cass Branch 1050 E State St 49031 (269) 445-1951 No 18.98
Dowagiac Area CU Dowagiac Area Federal Credit Union 473 E Division St 49047 (269) 782-2410 No 19.10
Four Flags Area CU Four Flags Area Credit Union 1012 S 11th St 49120 (269) 684-6512 No 19.87

United Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

United Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.99 4.35 4.74 4.32 5.56
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 340 323 295 183 296
Rank Among All Michigan Credit Unions 58 97 73 48 67

United Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.34 0.06 0.29 1.50 1.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 85 139 99 91 94
Rank Among All Michigan Credit Unions 8 18 18 12 12
United Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.99033,53074,294,236
All Other Unsecured Loans/Lines of Credit 13.62014,39116,172,116
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 7.5003509,191,782
New Vehicle Loans 4.3504,36199,532,917
Used Vehicle Loans 4.74045,725586,413,566
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.3206,715987,762,781
Total Other Real Estate Loans/Lines of Credit 5.5605,828154,008,140
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.40011,680242,571,055
TOTAL LOANS & LEASES 122,5802,169,946,593

United Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 4,170590,363,57936566,551,151
    b. 15 Years or less 2,320351,524,19318939,567,833
    a. > 15 years 81,077,41800
    b. 15 Years or less 433,176,69000
Other Fixed Rate 5725,082,8886815,275,036
Adjustable Rate 1 yr or less 8514,161,5762747,828
Adjustable Rate > 1 yr 322,376,43700


Closed-End Fixed Rate 92925,291,905513,445,202
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 4,899128,716,2352,62843,709,725
Open-End Fixed Rate 0000
TOTALS 12,5431,141,770,9213,303169,296,775


Interest Only & Payment Option 1st Mortgage Loans 5825,483,9015,884,744
Interest Only & Payment Option Other RE/LOC Loans 1,15566,546,68715,390,006
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

United Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes